Cross-border acceptance
Accept cards from customers outside your own market
International payments are card sales where the credential was issued outside your own market, which issuers authorize under stricter rules and decline more often. RapidCents accepts Visa, Mastercard and Amex cards issued abroad, exposes the decline reason instead of leaving it a guess, and lets velocity and verification rules be tuned specifically for foreign-issued cards. 3-D Secure can be applied where an issuer expects it. Domestic and international volume settle through the same account and the same deposit reports.
- Foreign-issued cards
- Issuer-reason diagnostics
- Reported in one dashboard
- PCI DSS Level 1
- SOC 2 Type II
- Specialist support
- Interchange-plus available
- All major card brands: Visa, Mastercard, Amex, Discover, PIN debit
Who it's for
Exporters
Businesses worldwide selling to customers abroad.
Online retailers
Stores with traffic from outside your own market.
Software platforms
Products billing international customers.
Core capabilities
International card acceptance
Accept Visa, Mastercard and Amex credentials issued outside your own market.
Issuer-reason diagnostics
See the issuing bank's response on a cross-border authorization instead of guessing.
Risk rules
Tune velocity and verification rules for foreign-issued cards.
3-D Secure
Apply strong customer authentication where the issuer expects it.
Unified reporting
Domestic and international volume settle into the same reports.
How it works
Enable international acceptance on your account.
Set risk and verification rules for foreign-issued cards.
Apply 3-D Secure where the issuer requires it.
Monitor approval and decline reasons by region.
Reconcile international volume in the same reports as domestic.
Dashboard and reporting
Transactions, deposits and exceptions visible in the RapidCents merchant dashboard.
Try it, edit values and click buttons
Merchant dashboard
- Today
- $4,218
- Deposits
- $12,482
- Disputes
- 2 open
- In-person
- $842
- Online
- $1,104
- Virtual terminal
- $392
Demonstration data only
Integrations
Merchant dashboard
Every transaction, deposit and exception lands in one dashboard.
APIs and webhooks
Connect the product to your own software with REST APIs and signed webhooks.
Partner connectors
Certified connectors for common POS, ERP and commerce platforms.
Works with International Payments
Capabilities on the same account, so the parts below connect without a second integration or a second contract.
A payment-gateway integration desk: API response on screen, RapidCents terminal ready for a test sale. Payment gateway
The authorization layer every online RapidCents payment runs through.
Explore
A RapidCents hosted checkout page at checkout.rapidcents.com, with the order summary and totals on the left and the card fields on the right, footed by SSL and PCI DSS assurances. Hosted checkout
A branded payment page RapidCents hosts, which keeps card data off your servers.
Explore
A cardholder completes 3-D Secure on RapidCents checkout, so the issuer can authenticate the online payment. 3-D Secure
Issuer authentication on online payments, which shifts fraud chargeback liability.
Explore
A RapidCents risk screen flags an unusual payment for review, with the capturing terminal still on the desk. Fraud prevention
Rules, velocity checks and AVS/CVV screening applied before a payment is approved.
Explore
A merchant reviews RapidCents reports for volume, mix and payouts, with the terminal that took the sales on the desk. Reporting and reconciliation
Deposit-level detail that ties settlements back to the transactions behind them.
Explore
Security
PCI DSS Level 1
Processing runs on PCI DSS Level 1 audited infrastructure.
Tokenization
Card data is replaced with tokens, keeping raw credentials out of your systems.
Role-based access
Permissions and audit trails control who can see and do what.
Implementation
Discovery
A payment specialist reviews how your business gets paid today.
Configuration
Accounts, users and settings are prepared before you go live.
Testing
Run test transactions and confirm reporting before cutover.
Launch and support
Go live with training materials and post-launch support.
Pricing
Transparent pricing
Pricing depends on volume, card mix and configuration. Fee Check compares your current statement before you commit to anything.
Questions about International Payments
Why do issuers treat cross-border cards differently?
Issuers apply stricter rules to authorizations from another country. RapidCents shows the issuer's reason and supports 3-D Secure where it helps complete the sale.
Does this change my settlement?
Settlement continues through the same account and appears in the same deposit reporting.
Is 3-D Secure required?
It depends on the issuer and region. Rules can be applied selectively rather than to every transaction.
Can I see performance by country?
Approvals and issuer responses can be reviewed by issuing region.
Which card brands can I accept from outside your own market?
Visa, Mastercard and Amex credentials issued abroad. PIN debit is a domestic network, so it stays part of your volume rather than your cross-border volume.
Do I need a second gateway or a separate integration?
No. International acceptance is enabled on the account you already process on, through the same gateway integration, and the volume appears in the same reports rather than in a parallel system.
Cross-border orders feel riskier. What handles that?
Risk rules can hold foreign-issued cards to different velocity and verification thresholds than domestic ones, 3-D Secure can be triggered by region or amount, and disputes that still arrive are worked through Chargeback Protection.
Does accepting foreign cards change my pricing?
Cost follows card mix, and foreign-issued credentials are part of that mix. Interchange-plus pricing separates the network cost from the processing margin, so a cross-border transaction can be read on the statement instead of disappearing into a blended rate.
Related products
A payment-gateway integration desk: API response on screen, RapidCents terminal ready for a test sale. Payment Gateway
The RapidCents payment gateway exposes REST endpoints for authorize, capture, void, refund and…
ExploreA cardholder completes 3-D Secure on RapidCents checkout, so the issuer can authenticate the online payment. 3D Secure
3-D Secure asks the issuer to verify the cardholder and, where it applies, shifts liability for…
ExploreA RapidCents risk screen flags an unusual payment for review, with the capturing terminal still on the desk. Fraud Prevention
Rules, velocity checks and verification screen transactions before they settle. Tuned properly…
Explore
Take the next step
Talk to a RapidCents specialist
RapidCents Fee Check reads a processing statement and shows interchange separately from the markup. Upload a statement for an instant breakdown, or open a merchant account and start accepting payments on one account.
- No obligation
- Payment specialists, not a call centre
- Secure statement upload
